tiny figure at crevasse between two gray blocks Even if an individual holds "some" life insurance, data from the annual LIMRA Insurance Barometer study indicates that over 100 million Americans live with a life insurance need gap. (Photo: Shutterstock)

If the past two years have taught us anything it's that people feel more vulnerable than ever. We have faced unprecedented change and uncertainty, bearing witness the fragility of life in a global pandemic that has claimed the lives of millions worldwide. Meanwhile, provisional data released by the Centers for Disease Control and Prevention (CDC) shows American life expectancy dropped to 77.3 years in 2020 –– down 1.5 years from 2019, the largest one-year decline since World War II.

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